Vehicle Insurance Explained
Scouts Queensland owns and operates several different types of vehicles, in support scouting activities. These include but may not be limited to:
- Motor vehicles
- Ride on mowers
These assets, when recorded through the annual property return, are covered under the Scouts Queensland Vehicle Insurance Policy. The Vehicle Insurance Policy is one of ten insurance policies that Scouts Queensland holds and is approximately 5% of the total insurance costs. Only the Scouts Queensland Branch Executive Committee may acquire insurance policies as per QBSI 9.14
The total Vehicle Insurance costs is based on the combined value of all vehicles listed in SMS. Each year Formations are asked to verify information through the Annual Property Return. While the total value of all assets determines the cost, this is charged back to formations based on a single rate per vehicle.
For example: A new trailer valued at $5,000 will be charged at the same rate as a $500 old wooden trailer, and the same rate will be charged for a trailer as a car or a tractor. All vehicles are charged at the same rate
Therefore, for the purposes of the property return it is encouraged that all vehicles are valued for their full replacement value, not their current condition. This will only marginally impact the cost charged to formation.
Across all formations Scouts Queensland owns approximately 270+ trailers.
In Queensland, while hitched to a Queensland registered vehicle, most trailers will be covered under the towing vehicles insurance policy. Policy & Rules R12.2 requires that all vehicles providing transport must be registered and carry insurance. For tow vehicles registered outside the state of Queensland or when towing a Queensland registered trailer interstate, please check with your respective insurer to ensure that the Scouts Queensland trailer will be covered under your policy. The driver of the vehicle is legally responsible for the safe operation of the trailer, and ensuring the towing vehicle, trailer and couplings meet the minimum standards.
A trailer, may not be covered by comprehensive insurance if:
- it doesn’t comply with Queensland registration and vehicle standard legislation
- its on-road mass exceeds your vehicle’s towing capacity
- it’s not roadworthy or safe
- it’s overloaded
Scouts Queensland Vehicle Insurance provide coverage for the Fire, Theft and Third-Party Liability associated with the trailer while it is not hitched to the vehicle
Scouts Queensland owns a number of on-road vehicles. These include but may not be limited to pool vehicles located at the Branch Support Office and support vehicles for campsites. On-road vehicles must always be maintained in a road worthy condition and must only be operated by authorised and appropriately licenced volunteers or employees. This does include drivers under the age of 21, however should hold at least a provisional driver’s licence or greater.
All on-road vehicles must be registered in the name of Scouts Queensland and listed in SMS
“Bash” vehicles do not meet road-worthy conditions, therefore can be covered on the Industrial Special (Property) insurance, and not the Motor Vehicle Policy. If a formation wishes to insure their bash vehicle for loss, it needs to be listed on the Annual Property Return.
For insurance purposes vehicle insurance also includes motor-cycles, caravans, zero turn mowers, mobile plant and equipment, tractors and self-propelled agricultural machines. Similar to on-road vehicles, these types of equipment and plant should be maintained in a safe working condition at all times and operated in accordance with the manufacturer’s instructions and standard operating procedures.
All plant and equipment should be listed in SMS, and verified through the annual property return.
There are approximately 110+ unregistered vehicles owned by Scouts Queensland and used at various formation levels. These include mowers, tractors, trailers and trailer mounted porta loos. Due to their status, unregistered vehicles are covered for property damage only.
At no stage should unregistered vehicle be used on public roads, or even adjacent the road within the road reserve. These will not be covered by insurance.
For unregistered vehicles that need to be operated on road verges, such as mowers and tractors, please contact firstname.lastname@example.org
to arrange a conditional registration. Conditional registration is a registration scheme for non-standard vehicles and gives you the benefit of compulsory third party insurance in the event of a crash occurring on a road causing personal injury.
Making a Claim
If any additional information is required, contact a member of the Facility and Risk team . All claims incur a $500 administration fee payable by the controlling formation whilst Scouts Queensland will pay all other deductibles.
Group Insurance Allocation - FAQ
The Scout Association of Australia Queensland Branch Inc. maintains insurance coverage in select areas to cover the broad standard operations of the organization. This is renewed each year on the 31 March, with associated costs on-charged to groups, ...
An insurance deductible, is the amount that the association is required to pay before insurance kicks in with their share of an insured loss. Across the Scouts Queensland insurance portfolio there are variety of different deductibles. For example: ...
Insurance within Scouts - What do I need to know?
This document is meant to provide a summary of information related to the Scouts Queensland Insurance program, for more detail information please read The Queensland Branch Scouting Instructions (QBSI) Section 5.6 Insurance or email ...
Property Banding Explained
Introduction One of the ten insurance policies that Scouts Queensland holds is Industrial Special Risk Insurance (ISR). This policy covers property and equipment for damage and loss based on figures provided through the Annual Property Return. ...
Certificates of Currency 2022-2023
The Scout Association of Australia Queensland Branch Inc. maintains insurance coverage in select areas to cover the broad standard operations of the organization. This is renewed each year on the 31 March. Following this date a certificates of ...